The Ramsey Show

🤔 ⁠⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠⁠ Ken Coleman and George Kamel answer your questions and discuss:

• "I owe $8,000 in collections and $4,000 to the IRS, how should I tackle this?"
• "How much should I spend on a new truck?"
• "My husband and I don't agree on how to budget..."
• "Would it be better to refinance or recast our mortgage?"
• "My husband works two jobs. Can he leave one so that he can spend more time with the family?"
• "Is it a good idea to retire early?"
• "When is the right time to buy a house with my boyfriend?"

Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠

📈⁠⁠For help with investing, get connected with a SmartVestor Pro.

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📚 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

🤔 ⁠⁠Can an online will work for you? Take this quiz to find out!⁠⁠ Dave Ramsey and Ken Coleman answer your questions and discuss:

• "My girlfriend doesn't want to marry me until I pay off all my debt..."
• "My husband and sister disagree on how to split the proceeds from the sale of family property. How do we navigate this?"
• "Should we slow down on Baby Step 2 while the government is shutdown?"
• "How do I avoid paying taxes on an inherited IRA?"
• "My wife keeps telling me how to run my business. Am I wrong for wanting to run the business I built my way?"

Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠

❓ ⁠⁠⁠Find out where you stand with your money and get a free plan.⁠⁠⁠

🛡️⁠⁠⁠Get trusted insurance coverage that fits your budget ⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈Free Tools & Resources to Help You With Investing and Retirement

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

🤔 Can an online will work for you? Take this quiz to find out! Dave Ramsey and George Kamel answer your questions and discuss:

• "I'm $15,000 in debt with nothing in savings. I lost my job today, where do I go from here?"
• "Should we buy a house that's going to put us over budget by $1,000 every month?"
• "I just graduated and got my first job, how do I start saving and investing?"
• "How do I help my dad with his finances? He has $175,000 missing from his accounts"
• "We paid off our mortgage and my wife wants to upgrade our house. Am I being stingy for not wanting another mortgage?"
• "Why shouldn't we keep using credit cards if we are able to consistently take advantage of the points and cash back?"
• "We have $104,000 of debt, should we sell our car? Should my wife go back to work to speed up Baby Step 2?".

Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 Get episodes early in the free Ramsey Network app!  ❓ ⁠Find out where you stand with your money and get a free plan.⁠

🛡️⁠Get trusted insurance coverage that fits your budget ⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!
• Go to⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠ and use promo code RAMSEY to learn more.
• Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
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• Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
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• Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy

Learn more about your ad choices. Visit megaphone.fm/adchoices

🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠

Ken Coleman and Jade Warshaw answer your questions and discuss:

• “How do we get out of the financial mess we're in?”
• “How do I get rid of my car debt?”
• “How do I stay motivated while paying off $184k of debt?”
• “Should I keep my credit cards to maintain my credit score?”
• “How do I handle a divorce settlement while in the baby steps?”
• “I’m drowning in debt and don’t know what to do?”
• “Should my daughter ask for reimbursement for job interview travel?”
• “Can we build our savings instead of paying off debt?”
• “Should I use my savings to pay off 0% interest? “
• “The motor blew up in my truck and it’s going to cost $15,000 to fix. What should I do?”
• “We can’t make any progress on our debt...”
• “Where should I be investing?”
• “I’m struggling to give $900 to a friend...”

Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠

❓ Find out where you stand with your money and get a free plan.

🛡️Get trusted insurance coverage that fits your budget

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!
• Go to⁠⁠ ⁠⁠⁠⁠Casper Sleep⁠⁠ and use promo code RAMSEY to learn more.
• Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!
• Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.
• For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.
• Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠

Dave Ramsey and Rachel Cruze answer your questions and discuss:

• "As a single mom, what is the best way to get rid of a day care debt that is past due?"
• "My boyfriend and I both have student loan debt, how do we start investing once we are debt-free?"
• "We are in Baby Step 3 and wanting to set up a special needs trust for our child. Should we pause Baby Step 3?"
• "I have an inconsistent income and 4 kids. While paying off debt, how much should we keep in savings?"
• "As a truck driver, should I live out of my truck versus buying a home to save money, or is that being too frugal?"
• "How do you pay off your credit cards when the minimums are half my take-home pay?"

Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧮 ⁠⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠⁠

🏠 Get organized and prepared to buy or sell a home.

🛡️Get trusted insurance coverage that fits your budget

📚 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!

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Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠

Dave Ramsey and Dr. John Delony answer your questions and discuss:

• "Should I keep cash at my house?"
• "Should we live close to our parents for a low monthly rent or move further away?"
• "Should my partner take out a HELOC on our house to pay me his part of our down payment?"
• "Our insurance didn't pay us after a natural disaster destroyed our home. How do we start over?"

Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🤕 Get trusted insurance coverage that fits your budget.

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

❓ Find out where you stand with your money and get a free plan.

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• Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠

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🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠

Dave Ramsey and Jade Warshaw answer your questions and discuss:

• "My husband is planning to give our land away..."
• "What should I do with a $60k bonus?"
• "Should we downsize our house to prepare for a surprise baby?"
• "My wife passed away last month, how do I invest now that I've lost her income?"
• "I just left an abusive marriage, what should I do for housing?"
• "Is my wife a princess or do I just need an attitude change?"
• "Is it wrong to keep having kids while getting government assistance?"

Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🏠 Get organized and prepared to buy or sell a home.

☮️ ⁠⁠Lead a Financial Peace University class.⁠⁠

🧠 ⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠⁠

📈 Free Tools & Resources to Help You With Investing and Retirement

Connect With Our Sponsors:

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• Go to⁠ ⁠⁠Casper Sleep⁠ and use promo code RAMSEY to learn more.
• Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
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• Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.
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• Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠

Dave Ramsey and Ken Coleman answer your questions and discuss:

• “I work for my parents and I sometimes don’t get paid. How do I talk to them about this?”
• “My older brother is financially taking advantage of our parents. How do I approach my parents about this?”
• “Is our land calculated into our net worth even if we have no plans on ever selling it?”
• “Can I pause retirement investing to save for a house downpayment?”
• “I’m 50 and just started investing. What are my options to save for retirement?”
• “Can we financially afford for my wife to be a stay-at-home mom?”
• “My wife and I are underwater on our cars, how do we get out of this?”
• “How can we get out of debt because we’re underwater financially?”
• “How do I pivot from being gazelle intense after paying off debt?”
• “Should a pension crisis prompt me to leave my job?”
• “How do my husband and I agree about using a lump sum of money that we’re about to receive?”
• “Should we buy a house in cash or get a mortgage?”

Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

☮️ ⁠Lead a Financial Peace University class.⁠

🧠 ⁠For help with investing, get connected with a SmartVestor Pro.⁠

🧮 ⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠

👫 Check out our free Term Life Insurance Guide for helpful info and resources.

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!
• Go to Casper Sleep and use promo code RAMSEY to learn more.
• Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!
• Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.
• For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.
• Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠

George Kamel and Jade Warshaw answer your questions and discuss:

• “Where should I keep my investments?”
• “My co-worker is a level below me but is being paid more. How do I ask for fair pay?”
• “Should I use my credit card to build my credit again?”
• “Is paying for a van that I live in the same as paying a mortgage?”
• “My husband is using our emergency fund as a bank...”
• “Should I turn my HELOC into a mortgage?”
• “How can I rent an apartment when I’m in bad shape financially?”
• “I’m not qualified for the job I have. Should I quit and become a nanny?”
• “Can you help us find an adoption loan that won’t drown us in debt?”
• “Was it right for my wife to stay at home with our first child?”
• “Is it wise for me to buy a house?”
• “I’ve been paying off debt since February but I feel like I’ve hit a wall...”
• “I’m 71 – everyone is telling me to not pay off my house. What should I do?”
• “My wife has car fever and wants to go into debt"

Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠Get episodes early in the free Ramsey Network app! ⁠

📈⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧮 ⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠⁠⁠⁠

👫 ⁠⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠⁠

Connect With Our Sponsors:

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• Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠

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🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠

Dave Ramsey and Rachel Cruze answer your questions and discuss:

• "Does it make sense to have a business credit card to get cash back on big purchases?"
• "We bought too much house, how do we balance paying this down vs. investing?"
• "I'm 21 and still live at home with my parents. Should I sell my car so I can afford to move out?"
• "How do my fiancé and I combine finances when I have way more saved than he does?"
• "We have $235,000 in student loan debt and have a baby on the way. How do we get on the same page to tackle this debt?"
• "Why don't children have an obligation to care for parents financially?"
• "My wife wants to upgrade the house but I would rather pay down the mortgage. Which idea is better?"
• "Should I pull from retirement to purchase a second property?"
• “Can I afford to buy a Harley Davidson?”
• “What should we do about our daughter who refuses to pay parent PLUS loans?”
• "I made a dumb decision with my house. Should I file bankruptcy?"

Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠Get episodes early in the free Ramsey Network app! ⁠

📈⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠

☮️ Lead a Financial Peace University class.

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧮 ⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.
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• Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.
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• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.
• Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠

Dave Ramsey and Dr. John Delony answer your questions and discuss:

• “How can we stop my wife’s parents from asking their 10, 12, and 17 year old daughters for money?”
• “Should I leave my marriage because of my husband’s spending?”
• “How do I get out of a house purchase that my employer forced me into but I can’t afford?”
• “Would buying land next door be a good investment?”
• “Should I continue to throw everything at my debt or save for potential emergencies?”
• “Should I take out a $10k loan to fix up my mom’s kitchen?”
• “How do I tell my significant other, he needs a better job?”
• “Can I afford to open my own business?”
• “Do we make enough for me to be a stay-at-home mom?”
• “Should I stop contributing to my retirement while paying off debt?”
• “Am I legally obligated to follow my dad’s wishes from his will?”
• “Should I cash out home equity to invest in an IUL policy?”

Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠Get episodes early in the free Ramsey Network app! ⁠

📈⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧮 ⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 Free Tools & Resources to Help You With Investing and Retirement

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.
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• Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!
• Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.
• For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.
• Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠

Dave Ramsey and Ken Coleman answer your questions and discuss:

• "How do I convince my wife to stop using credit cards when I'm on Baby Step 1?"
• "What should we do with the proceeds from the sale of our house?"
• "My husband was recently fired, how do we make our finances work while he's working small jobs?"
• "Should we downsize our house so my wife can stay at home?"
• "We have the money but struggle to justify going on vacation"
• "We gifted our son over $100,000 to buy a house and now he wants to pay us back. Are there any tax implications for this?"
• "What should I do with an inherited annuity?"
• "How do I create a family budget to keep my kids from spending money?"
• " Should I dive back into a career now that my husband has beat cancer?"
• "I'm 62 with only $100,000 saved for retirement. Should I focus on paying off my house or saving more for retirement?"
• "Should we charge our 19 year old rent?"
• "What should we do with the proceeds from the sale of our business?"

Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠Get episodes early in the free Ramsey Network app! ⁠

💲⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠For help with investing, get connected with a SmartVestor Pro.⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠⁠⁠⁠

👫 ⁠⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠⁠

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!
• Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.
• For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠.
• Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.
• Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠

Dave Ramsey and Jade Warshaw answer your questions and discuss:

• "Should I leave my boyfriend who keeps postponing our wedding?"
• "Should we take equity out of our cabin to pay off our primary home?"
• "I'm homeless and in debt, should I file for bankruptcy?"
• "I'm 56, is it too late for me to start investing?"
• "Why not pay off debt while investing?"
• "How much is too much to spend on a wedding?"
• "I'm 72 with only $40,000 saved. What should I do?"
• "How do we balance paying off debt and saving for an upcoming medical expense?"
• "We're getting a settlement from an accident that killed my sister. How do I use this cash well?"
• "How do I help my mom without taking on debt?"
• "I'm paying $2,800 a month in car payments. Should I have one of the cars voluntarily repossessed?"
• "Should I pay off all my debt or buy rental properties before going into retirement?"

Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠.

📱 Get episodes early in the free Ramsey Network app! 

📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧮 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!

🎟️ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠⁠⁠

🛡️ ⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠

👫 ⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠.
• Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠.
• Go to ⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠.
• Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠.
• Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠.
• Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!
• Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠.
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠.
• Visit⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.
• For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠.
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠.
• Get started with ⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.
• Visit⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠

Ken Coleman and George Kamel answer your questions and discuss:

• "I owe my brother money after getting scammed from an investment course. Should I file bankruptcy?"
• "I'm 53 years-old and have nothing saved for retirement. Should we sell our house and start over?"
• "I'm 66 years-old, should I pull from my retirement savings to pay off debt?"
• "Can I pay to have my dog cremated even though I am in debt?"
• "My husband is wanting to give his daughter part of his 401(k) instead of giving me 100% as the beneficiary"
• "Should I pull back my hours a bit and give myself a break?"
• "How do I stay motivated when I feel restricted by living on a budget?"
• "Should I pile up cash if I'm facing job insecurity?"
• "Should I leave a job after less than a year?"

Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🛡️ ⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠.
• Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠.
• Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠.
• Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠.
• Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠.
• Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!
• Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠.
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠.
• Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more.
• For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠.
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠.
• Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.
• Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠

Rachel Cruze and Dr. John Delony answer your questions and discuss:

• "Can we recover money that our brother stole from our father and his estate?"
• "When is the right time to ask someone I'm dating how much debt they have?"
• "We inherited my grandparents' house on our land. Should we just tear it down instead of remodeling it?"
• "I'm buried in over $400,000 of debt and feel like I can't live"
• "I'm about to get a divorce, should I pull from my 401(k) to buy my husband out of our house?"
• "Should I keep inheritance money in my name only or both me and my husband?"
• "Are there strategies to overcome anxiety from investing?"
• "How do we get out of my car loan that has an 18% interest rate?"
• "How do I pay off my debts as a single parent with no help?"
• "We're about to purchase a home with my parents. Is it okay if our name is not on the deed for tax purposes?"
• "How do I get my aging mom to be responsible for her finances?"
• "I'm getting $850,000 in cash from an inheritance. How do I invest this well?"

Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🛡️ ⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠.
• Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠.
• Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠.
• Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠.
• Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠.
• Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!
• Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠.
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠.
• Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more.
• For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠.
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠.
• Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.
• Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠

Dave Ramsey and Ken Coleman answer your questions and discuss:

• "How do I get out of investor debt from business men I don't want to cross?"
• "I'm overwhelmed with my debt. How do I get out of this?"
• "Should I pay off my estranged son's student loans?"
• "How do I separate business expenses from my personal expenses?"
• "I'm getting a divorce, how do I best use the proceeds from the sale of my home?"
• "Is it okay to refinance my house in order to fund a $150,000 home addition?"
• "I recently lost my job, should I pull from my IRA to cover debt and wedding costs?"
• "Am I a wimp for wanting to quit my job?"
• "Do I have to claim a gift from my former boss on my taxes?"
• "What's the best way to encourage my husband to be independent of his parents?"
• "Can my 18 year old son get out of a car loan he co-signed for his ex girlfriend?"
• "I'm a single parent of 3 kids and feel like I can never get ahead"
• "Should I cash out my whole life insurance to buy term life?"
• "Can I use a HELOC for a second home?"

Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠

💲 For help with investing, get connected with a SmartVestor Pro.

📚 ⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠

🛡️ ⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠.
• Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠.
• Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠.
• Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠.
• Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠.
• Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!
• Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠.
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠.
• Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more.
• For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠.
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠.
• Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.
• Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠

Dave Ramsey and George Kamel answer your questions and discuss:

• "My husband and I disagree on how to pay off our car"
• "How do I trust that my boyfriend will stay out of debt once we’re married?"
• "How do I wisely use a $350k settlement?"
• "My mother-in-law was scammed out of $150k"
• "Should I pay my mom's Parent PLUS loan now that my mom is filing for bankruptcy?"
• "How do I get out of over $825K in real estate debt?"
• "Should we sell our house that is financially crushing us?"
• "How do I pay off credit card debt from a stock investing training?"
• "How can I get my husband to work with me as a team on our debt?"
• "I borrowed money from a family member then I found out he had stolen it. What should I do?"
• "My girlfriend isn't as motivated as I am. Should I stay in the relationship?"

Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠

🛡️ Get trusted insurance coverage that fits your budget.

🎟️ ⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠.
• Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠.
• Go to ⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠.
• Get started today with⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠.
• Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠.
• Go to⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!
• Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠.
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠.
• Visit⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠ today to learn more.
• For more information, go to ⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠.
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠.
• Get started with ⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.
• Visit⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠

Dave Ramsey and Ken Coleman answer your questions and discuss:

• "I am getting calls regarding debt on my deceased father. How do I handle this?"
• "Can we get some advice on managing finances with a large family and disagreements on spending?"
• "How do my fiancé and I plan to combine our finances when there is a prenup in place?"
• "We would like to retire early. How should we adjust our investments in order to make this happen?"
• "How do I get out of $1.8M in debt when I'm stretched thin in spite of a high net worth?"
• "How do I keep my addict brother from blowing his portion of our inheritance?"
• "Am I wrong for not wanting to pay for repairs to my mother's home?"
• "My wife and I disagree on what to do with a whole life policy."
• "My wife and I disagree on leveraging debt to make money. Who is right?"
• "I am $10,000 underwater on my leased car. How should I handle this?"
• "I am debt-free. When can I start buying things I want?"

Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠

📚 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!

👫 Check out our free Term Life Insurance Guide for helpful info and resources.

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠.
• Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠.
• Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠.
• Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠.
• Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠.
• Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!
• Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠.
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠.
• Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more.
• For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠.
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠.
• Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.
• Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

🤔 ⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠

George Kamel and Ken Coleman answer your questions and discuss:

• "Should we keep a rental if we're losing money on it?"
• "I just found out I'm pregnant, how can I financially prepare?"
• "I took out a pension loan, should that be first in my debt snowball?"
• "Should we pull from savings to pay off debt?"
• "Should I buy a house with 0% down?"
• "Should surplus investing go into a brokerage or a Roth IRA?"
• "I lost my job a month ago. When should I sell my house?"
• "Is my boyfriend's lack of interest in getting a job a red flag about getting married?"
• "Should I buy a house with my parents when my wife is totally against the idea?"
• "Should I pay off my mortgage with my brokerage account?"
• "How do I balance living for today and saving for the future?"
• "Can I invest in a side hustle while paying off debt?"

Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠

📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠

🏠 ⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠

🎟️ ⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠

👫 Check out our free Term Life Insurance Guide for helpful info and resources.

📘 Lead a Financial Peace University class

Connect With Our Sponsors:

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• Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!
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• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠.
• Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.
• Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

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🤔 ⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠

Dave Ramsey and Rachel Cruze answer your questions and discuss:

• "Should I pay off my HELOC first in my debt snowball?"
• "Is it possible to graduate Baby Step 4?"
• "We're expecting $500,000 from the sale of a business. How do we best use these funds?"
• "How do I break the news to my wife that we are broke and $500,000 in debt?"
• "I own my own business and haven't been saving for taxes. How do I get out of this mess and keep the business going?"
• "Can I change my career now that I've finished Baby Step 2?"
• "Should we consider our rental property as debt in Baby Step 2?"
• "How do I get out of a motorcycle I'm upside down on?"
• "How can I convince my husband that we need to create a joint account?"
• "My wife wants to take a trip to Europe but I would rather keep investing 40% of our income."

Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠

📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

🎟️ ⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠

📚 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every …

🛡️ Protect yourself with trusted insurance coverage that fits your budget.

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠.
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• Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠.
• Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!
• Find top health insurance plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠.
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠.
• Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more.
• For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠.
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠.
• Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.
• Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

🤔 ⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠

Dave Ramsey and Dr. John Deloney answer your questions and discuss:

• "Should I lock my husband out of our savings account to stop his spending?"
• "How do I pay off debt as a single mom?"
• "Should I finance a car with my company's stipend?"
• "Is it wise for me to be paying my mom's life insurance policy so it will clean up her mess when she passes?"
• "Is my total net worth too tied up in real estate?"
• "We're drowning in personal and business debt. Should we file for bankruptcy?"
• "Should I pull from my IRA to build a cabin or just take out a loan?"
• "Should I just let go of the idea of marrying my partner?"
• "I just got divorced at 73 years-old. How do I make my last $100,000 last into retirement?"
• "Should I pay my mortgage off when a family member is the loan holder?"
• "My mortgage lender is highly encouraging me to refinance in order to free up my income to pay off debt"
• "Our family owned farm has grown 3x in equity. Should we sell it and invest the proceeds?"
• "We make $200,000 but can't seem to get back on track. What are we doing wrong?"

Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠

📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠

🛡️ ⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠

👫 Check out our free Term Life Insurance Guide for helpful info and resources.

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠.
• Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠.
• Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠.
• Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠.
• Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠.
• Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!
• Find top health insurance plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠.
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠.
• Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more.
• For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠.
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠.
• Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.
• Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

🤔 ⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠

Dave Ramsey and Ken Coleman answer your questions and discuss:

• "We're barely scraping by and I just found out I'm pregnant"
• "I have to ask my husband for money for anything I do - should I divorce him? "
• "I'm 20 years old and considering filing for bankruptcy"
• "How do I start investing?"
• "I'm getting a large inheritance. How should I invest it?"
• "We're net worth millionaires but struggle to pay our bills"
• "I've been fired twice and we're drowning in debt"
• "What is your opinion on being able to Vemno the government to pay down the national debt?"
• "Should we buy a home in cash if we are going to be moving every few years?"
• "Can we do the debt snowball out of order since we have a baby on the way?"
• "Our families are giving us a wedding gift of $20,000. How do we best use this money as newlyweds?"
• "Can I afford a second child with the home repairs we have to pay?"
• "I'm 65, can I afford to retire?"

Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠⁠

📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠

🛡️ ⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠

🎟️ ⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠.
• Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠.
• Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠.
• Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠.
• Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠.
• Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!
• Find top health insurance plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠.
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠.
• Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more.
• For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠.
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠.
• Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.
• Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

🤔 ⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠

Dave Ramsey and Rachel Cruze answer your questions and discuss:

• "What should I do with $100,000 I have sitting in my account?"
• "My husband doesn't think I should spend money since I'm a stay-at-home mom..."
• "I am $2.5 million in debt. Should I pay it down if it's low interest?"
• "I feel guilty moving out if it puts my sisters in a bind financially..."
• "Can we afford a $200,000 bus to travel in retirement?"
• "My ex-fiancée stopped paying on her car that I cosigned on..."
• "Should I liquidate my cryptocurrency to pay off my debt?"
• "Our financial advisor is telling us to buy a multi-family property, is this a good real estate investment?"
• "How do we split up the expenses for our wedding without combining money?"

Next Steps:

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠

📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠

🛡️ ⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠

🎟️ ⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠

📚 ⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠

👫 ⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠.
• Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠.
• Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠.
• Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠.
• Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠.
• Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!
• Find top health insurance plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠.
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠.
• Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more.
• For more information, go to ⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠.
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠.
• Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY.
• Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

🤔 ⁠Think you’re good with money? Take our Money in America quiz!

Ken Coleman and George Kamel answer your questions and discuss:

• "Should I lease a car to get out of my car loan?"
• "I'll lose my disability benefits if I get a better job..."
• "I feel like I'll never see the money that I'm investing..."
• "I did the Baby Steps out of order. How do I get back on track?"
• "How can we pay off debt when our mortgage payment is crushing us?"
• "How do I convince my husband that it's time to move out of my parents' house?"
• "Pay off business car debts first or save?"
• "Are credit cards worth it for the travel miles?"
• "How do I balance paying off business debt and expanding?"
• "Should I pull from an inherited IRA to pay off debt?"
• "What should I do with $45k I have in a safe at home?"
• "FW: What do I do when I've reached "the end" of the Baby Steps?"

Next Steps:

✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email⁠⁠⁠.

📱 ⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

🛡️ ⁠Get trusted insurance coverage that fits your budget.⁠

🎟️ ⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠

🪪 Learn more about ID Theft Protection

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠.
• Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠.
• Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠.
• Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠.
• Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠.
• Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!
• Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠.
• Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠.
• Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more.
• For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠.
• Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠.
• Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY.
• Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠

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📈 Think you’re good with money? Take our Money in America quiz!

Jade Warshaw and Dr. John Delony answer your questions and discuss:

• "How can I maintain my credit and keep my home despite a separation from my husband?"
• "Should I sell my home to pay off $125,000 of debt?"
• "How do I tell my fiancé to stop paying his parents' mortgage?"
• "How do we keep the "hustle" going after Baby Step 2?"
• "I'm living off credit cards, is selling my business a good way to pay off my debt?"
• "How should we finance the remodel of our house?"
• "My son is asking for more money for school overseas, what should we do?"
• "How do I tell my 75-year-old sister that I cannot be her lifelong safety net?"

Next Steps:

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠.

📱 ⁠⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠⁠

🎟️ ⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

🏠 Get organized and prepared to buy or sell a home.

📚 ⁠⁠⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠⁠⁠

Connect With Our Sponsors:

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• Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠.
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• Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY.
• Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Think you’re good with money? Take our Money in America quiz! George Kamel and Jade Warshaw answer your questions and discuss:

• "I inherited $750,000, should I use it all to buy a house in cash?"
• "Is selling my house the only option for me to get out of debt?"
• "How do I navigate going through a divorce and expecting twins?"
• "Should I quit my job to be a stay-at-home mom?"
• "How do I begin to trust my husband after his financial infidelity?"
• "How do I convince my wife that keeping cash at home to hide it from the government isn't a good idea?"
• "I'm $300,000 in debt, how do I begin to pay this off?"
• "Can I afford to buy a Viper?"
• "We're millionaires but we still have anxiety about buying a vacation home"

Next Steps:

✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email⁠⁠⁠.

📱 ⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

🛡️ Get trusted insurance coverage that fits your budget.

🎟️ ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠

📚 ⁠⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠⁠

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠.
• Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠.
• Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠.
• Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠.
• Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠.
• Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!
• Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠.
• Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠.
• Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more.
• For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠.
• Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠.
• Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY.
• Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠

⁠⁠⁠Ramsey Solutions Privacy Policy⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 ⁠Think you’re good with money? Take our Money in America quiz! Dave Ramsey and Dr. John Delony answer your questions and discuss:

• "Should I borrow from my 401(k) to start a business?"
• "How do I work the Baby Steps when the Department of Treasury is threatening to garnish my wages?"
• "How does Baby Step 6 work if I will be moving every few years?"
• "How do I deal with people asking for my deceased husband's personal belongings?".

Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email⁠⁠.

📱 ⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠

💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

📚 ⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠

☮️ Lead a Financial Peace University class.

🎟️ Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville.

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠.
• Get 10% off your first month of⁠⁠ BetterHelp⁠⁠.
• Go to ⁠⁠Boost Mobile⁠⁠ to switch today!
• Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.
• Get started today with⁠⁠ Churchill Mortgage⁠⁠.
• Get 20% off when you join ⁠⁠DeleteMe⁠⁠.
• Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!
• Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.
• Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.
• Visit⁠⁠ NetSuite⁠⁠ today to learn more.
• For more information, go to ⁠⁠SimpliSafe⁠⁠.
• Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠.
• Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.
• Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠

⁠⁠Ramsey Solutions Privacy Policy⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

🎟️ ⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠

Jade Warshaw and Ken Coleman answer your questions and discuss:

• "Should we sell our home to get out of debt?"
• "I don't see how I can finish college without taking on more debt..."
• "Should I sell my rentals?"
• "Can I afford to retire now?"
• "How do I pay off a 401(k) loan?"
• "Should I take out a loan to speed up building my house?"
• "How do I financially prepare to leave my husband?"
• "Is it normal to have difficulties changing from using credit cards to cash?"
• "How do I make a budget?"
• "My ex-wife and I disagree on the purchase of our son's first car..."
• "The sale of our family business went sideways and wiped out my retirement..."
• "My car is totaled and I don’t have savings. Should I get a car loan?"
• "Should I pursue a relationship with a man when I'm not sure I trust him financially?"

Next Steps:

✔️⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠ ⁠send us an email⁠.

📱 ⁠Get episodes early in the free Ramsey Network app! ⁠

⛰️ ⁠⁠Find out your Baby Step and get a plan for your money. ⁠

💵 ⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠

📈 For help with investing, get connected with a SmartVestor Pro.

📚 ⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠ALDI⁠.
• Get 10% off your first month of⁠ BetterHelp⁠.
• Go to ⁠Boost Mobile⁠ to switch today!
• Learn more about⁠ Christian Healthcare Ministries⁠.
• Get started today with⁠ Churchill Mortgage⁠.
• Get 20% off when you join ⁠DeleteMe⁠.
• Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!
• Find top health insurance plans at ⁠Health Trust Financial⁠.
• Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠.
• Visit⁠ NetSuite⁠ today to learn more.
• For more information, go to ⁠SimpliSafe⁠.
• Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠.
• Get started with ⁠YRefy⁠ or call 844-2-RAMSEY.
• Visit⁠ Zander Insurance⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠The Ramsey Show Highlights⁠

🧠 ⁠The Dr. John Delony Show⁠

🍸 ⁠Smart Money Happy Hour⁠

💡 ⁠The Rachel Cruze Show⁠

💰 ⁠George Kamel⁠

🪑 ⁠Front Row Seat with Ken Coleman⁠

📈 ⁠EntreLeadership⁠

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠Ramsey Solutions Privacy Policy⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

Dave Ramsey and George Kamel answer your questions and discuss:

• "We're $500K in debt, can we afford new cars?”

• "My girlfriend will lose her pension if we get married"

• "How do we pay off $500k of medical debt?"

• "Is there a limited amount of wealth available?"

• "My husband keeps refusing to combine finances,"

• "Should we usse our savings to pay off our student loans?"

• Living paycheck-to-paycheck on $600K a year.

Next Steps:

✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

📈⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🎟️ ⁠The Ramsey Show Live Tour: Get Your Tickets!⁠

📚⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠

🛡️ ⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠

💵⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!

Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more.

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Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy

Learn more about your ad choices. Visit megaphone.fm/adchoices

🎟️ ⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠

Dave Ramsey and Rachel Cruze answer your questions and discuss:

• "How can I leave my husband when I have no job or savings of my own?"
• "We're in our 70s and have nothing saved for retirement. How do we stop living paycheck-to-paycheck?"
• "Can we afford to slow down paying off debt to be present with our kids?"
• "How can I best use the inheritance I just received?"
• "My husband just told me we are $60,000 in debt. How do we go about this wisely?"
• "My business just went under and I have close to $1 million of debt. How do I get out of this mess I'm in?"
• "I just got fired, should I file for bankruptcy or consider a debt relief program?"
• "How do I get my husband to take the plunge and buy us a house?"
• "Is a budget set in stone or can it be revised once it's in play?"
• "Should I lower my retirement contribution in order to pay off my house faster?"
• "How do I help my mom who has $200,000 in debt and nothing saved for retirement?"

Next Steps:

✔️⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠ ⁠send us an email⁠.

📱 ⁠Get episodes early in the free Ramsey Network app! ⁠

💵 ⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠

📚 ⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠

⛰️ ⁠⁠Find out your Baby Step and get a plan for your money. ⁠

🤔 ⁠⁠Will an online will work for you? Take this quiz to find out⁠⁠

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠ALDI⁠.
• Get 10% off your first month of⁠ BetterHelp⁠.
• Go to ⁠Boost Mobile⁠ to switch today!
• Learn more about⁠ Christian Healthcare Ministries⁠.
• Get started today with⁠ Churchill Mortgage⁠.
• Get 20% off when you join ⁠DeleteMe⁠.
• Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!
• Find top health insurance plans at ⁠Health Trust Financial⁠.
• Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠.
• Visit⁠ NetSuite⁠ today to learn more.
• For more information, go to ⁠SimpliSafe⁠.
• Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠.
• Get started with ⁠YRefy⁠ or call 844-2-RAMSEY.
• Visit⁠ Zander Insurance⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠The Ramsey Show Highlights⁠

🧠 ⁠The Dr. John Delony Show⁠

🍸 ⁠Smart Money Happy Hour⁠

💡 ⁠The Rachel Cruze Show⁠

💰 ⁠George Kamel⁠

🪑 ⁠Front Row Seat with Ken Coleman⁠

📈 ⁠EntreLeadership⁠

⁠Ramsey Solutions Privacy Policy⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

🎟️ ⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠

Dave Ramsey and Jade Warshaw answer your questions and discuss:

• "Should I accept my girlfriend's offer to pay off my debt?"
• "Should we pay off debt with a baby on the way?"
• "Can I put $200,000 I've received from a settlement in a bond?"
• "I want to save money but my husband keeps getting us into credit card debt..."
• "How do my fiancée and I tackle our $177,000 of debt?"
• "We have almost $300,000 of student loan debt. How do we get out of this?"
• "How do we plan for taking in our 3 grandchildren permanently?"
• "Should I solicit my van for voluntary repossession?"
• "Is it fair to ask my fiancé to save up now for when we get married?"
• "I was evicted in January and now owe that apartment $12,000. Should I prioritize this in my debt snowball?"

Next Steps:

✔️⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠ ⁠send us an email⁠.

📱 ⁠Get episodes early in the free Ramsey Network app! ⁠

📚 ⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠

⛰️ ⁠Find out your Baby Step and get a plan for your money.

💵 ⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ⁠ALDI⁠.
• Get 10% off your first month of⁠ BetterHelp⁠.
• Go to ⁠Boost Mobile⁠ to switch today!
• Learn more about⁠ Christian Healthcare Ministries⁠.
• Get started today with⁠ Churchill Mortgage⁠.
• Get 20% off when you join ⁠DeleteMe⁠.
• Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!
• Find top health insurance plans at ⁠Health Trust Financial⁠.
• Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠.
• Visit⁠ NetSuite⁠ today to learn more.
• For more information, go to ⁠SimpliSafe⁠.
• Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠.
• Get started with ⁠YRefy⁠ or call 844-2-RAMSEY.
• Visit⁠ Zander Insurance⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠The Ramsey Show Highlights⁠

🧠 ⁠The Dr. John Delony Show⁠

🍸 ⁠Smart Money Happy Hour⁠

💡 ⁠The Rachel Cruze Show⁠

💰 ⁠George Kamel⁠

🪑 ⁠Front Row Seat with Ken Coleman⁠

📈 ⁠EntreLeadership⁠

⁠Ramsey Solutions Privacy Policy⁠

Learn more about your ad choices. Visit megaphone.fm/adchoices

🎟️ ⁠⁠⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠⁠⁠

Dave Ramsey and George Kamel answer your questions and discuss:

• "How much should I invest vs. put into savings?"
• "Should I sell my house to pay off debt?"
• "I've gambled away $50k in the last two months"
• "I'm $20k underwater on my car. What should I do?"
• "How do I tackle $200k in student loans?"
• "Should I borrow from my 401(k) to pay off high-interest debt?"
• "Am I being too intense paying off my house?"
• "How do we use disability income wisely?"
• "How do teachers become millionaires on a teacher’s salary?"
• "Is it financially time to consider rehoming our dogs?"
• "How do I talk to my wife about combining our finances?"
• "Should I lease a vehicle from my employer or buy my own?"

Next Steps:

✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email⁠⁠⁠.

💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

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🎟️ The Ramsey Show Live Tour: Tell us where we should go next!

Dave Ramsey and Dr. John Delony answer your questions and discuss:

• "My wife and I aren't on the same page financially. At what point should I open a separate bank account that I can manage?"
• "I feel insecure only having $1,000 in my emergency fund while I'm in Baby Step 1..."
• "My husband hid credit card debt from me again. How do I protect myself from his out-of-control spending?"
• "Was taking out a $100,000 loan to buy cattle a bad idea?"
• "What should I do with my stock that has grown to $1.8 million?"
• "Should we accept a $100,000 gift from my parents?"
• "What's the best way to invest?"
• "I'll be graduating med school with over $200,000 of student loan debt. How do I pay them off while investing in a Roth?"
• "Is this trend of people selling their houses for RVs healthy?"
• "How do I repair my marriage and get out of debt?"
• "Should I confront my mother about using my 529 to pay for an exchange student's college instead of my tuition?"

Next Steps:

✔️ ⁠Help us make the show better. Please take this short survey.⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠send us an email.

💵 ⁠Start your free budget today. Download the EveryDollar app!

📱 Get episodes early in the free Ramsey Network app! 

🤔 Will an online will work for you? Take this quiz to find out

✏️ Explore our high school personal finance and new economics curriculum.

📚 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!

Connect With Our Sponsors:

• Stop paying more and start shopping smarter at ALDI.
• Get 10% off your first month of BetterHelp.
• Go to Boost Mobile to switch today!
• Learn more about Christian Healthcare Ministries.
• Get started today with Churchill Mortgage.
• Get 20% off when you join DeleteMe.
• Go to FAIRWINDS Credit Union for an exclusive account bundle!
• Find top health insurance plans at Health Trust Financial.
• Use code RAMSEY to save 20% at Mama Bear Legal Forms.
• Visit NetSuite today to learn more.
• For more information, go to SimpliSafe.
• Use promo code RAMSEY for 18% off at The Nokbox.
• Get started with YRefy or call 844-2-RAMSEY.
• Visit Zander Insurance for your free instant quote today! 

Explore more from Ramsey Network:

💸 The Ramsey Show Highlights

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💰 George Kamel

🪑 Front Row Seat with Ken Coleman

📈 EntreLeadership

Ramsey Solutions Privacy Policy

Learn more about your ad choices. Visit megaphone.fm/adchoices